Commercial Credit Analyst
Shift is a business specialist dedicated to helping Australian SMEs take control of their cash flow, streamline trade terms, and choose the right financial products.
About the role
As a Credit Analyst, you'll play a key role in the customer journey by assessing credit applications from customers and brokers. Using a mix of bank statements, financial statements and other data, you'll determine creditworthiness and recommend appropriate lending solutions.
What you'll do
* Assess commercial credit applications by analysing financial statements, bank statements and other relevant data
* Conduct phone interviews with applicants and brokers to gather information and negotiate loan criteria
* Provide accurate, quantitative credit assessments and recommend lending limits aligned with Shift's credit appetite
* Ensure correct products and services are applied to customer applications
* Maintain detailed records of key risk factors and mitigation strategies to support decision making
* Build strong relationships with internal teams, customers, and brokers to enhance business performance
* Adhere to credit underwriting standards, compliance policies, and ensure data integrity in core systems
* Support Relationship Managers and Sales teams by providing coaching and upskilling
* Identify opportunities for process and service improvements to boost team efficiency
What you'll bring
* Previous experience holding delegated lending authority for commercial/business lending
* Strong business acumen and solid understanding of the SME market
* Proven track record in delivering excellent customer service
* Experience assessing commercial credit using financial and bank statements; experience with non-traditional data is a plus
* Analytical mindset with strong attention to detail
* Experience in risk or analytics roles or working with finance products in point-of-sale environments is advantageous but not essential
* Excellent communication and relationship-building skills
* Commitment to compliance and data accuracy
Key benefits
* Collaborative teams – a flat structure means everyone can learn from colleagues and senior leaders around the business
* Be involved – come together with all of your colleagues every 100 days to share the product and technology roadmap and business strategy
* Flexible working environment – we're headquartered in North Sydney with state‑based workplaces and offer a flexible work policy
* Family support – industry leading 26 weeks paid parental leave
* Varied workspaces – our office enables areas for collaboration, brainstorming and socialising as well as focus zones
* Range of benefits supporting your physical, psychological and financial wellbeing, from a day off on your birthday to excellent end of trip facilities
Seniority level
Entry level
Employment type
Full‑time
Job function
Finance and Sales
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